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ONLINE BENEFITS ENROLLMENT IMPORTANT INFORMATION

With the Ultimate Online Enrollment System, you and your family can access your benefits information whenever you want, from THE AFFORDABLE CARE ACT AND YOU
home or any place where you have internet access. Use Ultimate to make your benefit elections, update your personal information, The Affordable Care Act (ACA) requires nearly every American to be enrolled in medical coverage or pay a penalty. This is referred
and to locate important benefits documents. to as the individual mandate.

You have several options to satisfy this requirement:
z Enroll in a medical plan offered by The PFE Group or another group plan
TO ENROLL OR MAKE CHANGES TO YOUR BENEFITS: z Purchase coverage through a health insurance marketplace

1. Login to your Ultipro. z Enroll in coverage through a government sponsored program
2. Go to Myself, then Select Open Enrollment (this option is the 3rd column). z Have no coverage and incur a tax penalty
3. View the information about Open Enrollment and then select Next.
4. Add/Verify your Beneficiaries and Dependents. From this page, you can edit, add or delete beneficiaries Because The PFE Group’s medical plans are considered affordable and meet minimum value under Health Care Reform, you will
and dependents. Once complete, select Next. not generally see lower premiums or out-of-pocket costs through the marketplace. In addition, employer contributions to your
5. Follow the prompts to enroll in or decline the benefit plans available to you. medical benefits will be lost if you choose to purchase coverage through the marketplace, and your portion of medical premiums
6. Review the election information on the Confirm Your Changes page. From this page, you can return will no longer be paid via payroll deductions on a pre-tax basis.
to any applicable pages to make any changes, if needed.
7. Select Draft to continue the election at a later time (until your enrollment deadline) or select Submit For more information on your coverage options and potential tax penalties, please visit www.healthcare.gov.
to complete your elections now. If you select Submit, you cannot make any changes without the
assistance of your Benefits Administrator. If you select OK, the Confirmation page appears.
8. Print the confirmation page for your records. ANNUAL NOTICES
ERISA as well as various other state and federal laws require that employers provide disclosure and annual notices to their plan
participants. The PFE Group has posted all federally required annual notices on Ultimate for you to download and read at your
convenience.

The following is a brief description of the annual notices:
z Medicare Part D Notice of Creditable Coverage: Plans are required to provide each covered participant and dependent a Certificate
of Creditable Coverage to qualify for enrollment in Medicare Part D prescription drug coverage when qualified without a penalty.
z HIPAA Notice of Privacy Practices: This notice is intended to inform you of the privacy practices followed by The PFE Group’s
group health plan.
z Women's Health and Cancer Rights Act (WHCRA): The Women's Health and Cancer Rights Act (WHCRA) contains important
protections for breast cancer patients who choose breast reconstruction with a mastectomy.
z Newborns’ and Mothers’ Health Protection Act: The Newborns' and Mothers' Health Protection Act of 1996 (NMHPA) affects
the amount of time a mother and her newborn child are covered for a hospital stay following childbirth.
z Special Enrollment Rights: Plan participants are entitled to certain special enrollment rights outside of The PFE Group’s open
enrollment period. This notice provides information on special enrollment periods for loss of prior coverage or the addition
of a new dependent.
z Medicaid & Children’s Health Insurance Program: Some states offer premium assistance programs for those who are eligible
for health coverage from their employers, but are unable to afford the premiums. This notice provides information on how to
determine if your state offers a premium assistance program.
z Summary of Benefits and Coverage (SBC): Health insurance issuers and group health plans are required to provide you with
an easy-to-understand summary about your health plan’s benefits and coverage. This regulation is designed to help you better
understand and evaluate your health insurance choices.

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